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Question: 6.8.1. If different from 1.11, contact point if no agreement and bond for an unadopted road or sewer:
| Lender | Answer |
|---|---|
| Accord Buy to Let | We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. You, however, should ensure all applicants are aware of their potential liability. |
| Accord Mortgages Ltd | We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances.However, you should ensure all applicants are aware of their potential liability. |
| Adam & Company |
See 1.11, lack of agreement / bond may be acceptable with our prior written consent. |
| Adam & Company International |
See 1.11, lack of agreement / bond may be acceptable with our prior written consent. |
| Ahli United Bank (UK) plc | Central Administration Unit |
| Aldermore Bank PLC |
For new properties, we will not impose a retention where a bond / agreement will not be in place on completion. If the customer accepts the situation we will proceed. However, if there are no plans to obtain a bond / agreement in the future, please advise as we will need to refer this to our valuer. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Refer to AIB Group (UK) plc, Central Securities (GB), 92 Anne Street, Belfast, BT1 3H |
| April Mortgages | No |
| Atom Bank plc | As per 1.11 |
| Aviva Equity Release UK Ltd | See 1.11 |
| Bank of China | mortgages@bank-of-china.com |
| Bank of Ireland (UK) plc | See 1.11. |
| Bank of Ireland as Bank of Ireland Mortgages | See 1.11. |
| Bank of Scotland Beginning A | If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Bank of Scotland Beginning O |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | Where roads and sewers on a new development are not yet adopted, this will be acceptable and does not need to be reported to us where plans are in place for future adoption once the development is complete or, there is provision for the establishment of a management company responsible for the ongoing repair and maintenance obligations. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability. |
| Better HomeOwnership (Mortgages) | See 1.11 |
| Birmingham Bank | We do not accept properties on unadopted roads |
| Birmingham Midshires |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Bluestone Mortgages | As per 1.11. |
| Bradford & Bingley Limited | As 1.11a |
| Britannia, a trading name of The Co-operative Bank plc | Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX 16351 Leek. Telephone and Fax numbers as shown on the letter enclosing the Offer of Advance |
| Buckinghamshire Building Society |
Buckinghamshire Building Society, High Street, Chalfont St Giles, Bucks, HP8 4QB e-mail mortgages@bucksbs.co.uk Tel: 01494 879500 Fax: 01494 877259 |
| Chelsea Building Society (a trading name of Yorkshire BS) | We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability. |
| CHL Mortgages | As per 1.11. |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc |
See 1.11a earlier. |
| Coutts | See 1.11, lack of agreement / bond may be acceptable with our prior written consent. |
| Coutts Finance Co | See 1.11, lack of an agreement/bond may be acceptable with our prior written consent. |
| Coventry Building Society |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Cynergy Bank | As per 1.11.b |
| Danske Bank |
You must confirm that the roads and sewers immediately serving the property have been adopted or alternatively that they are covered by a suitable agreement or bond. If this is not the case, please report this to us via the contact details at 1.11a. |
| Darlington Building Society | Customer Support Department, Principal Office |
| DB UK Bank Ltd |
db mortgages PO Box 890 Newport NP20 9LZ Tel: 0845 650 6281 DX Address - not available |
| Dudley Building Society | As 1.11a |
| Ecology Building Society | As 1.7 |
| Family Building Soc (a trading name of National Counties BS) |
Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL Email: loansunderwriting@familybsoc.co.uk |
| First Direct |
Where roads and sewers on a new development are yet to be adopted, this will be acceptable providing there are plans in place for future adoption when the development is completed or where a management company or local residents will be responsible. We do not insist on an agreement or bond and do not require you to hold a retention. However, you should ensure all applicants are aware of and accept their potential liability. Second hand properties where the development is not yet completed – If the roads or sewers are currently un-adopted the vendor must confirm the current arrangements are working and that there have been no disputes regarding servicing and maintenance of the system, details of any demand for payment and/or costs incurred are shared with the customer(s). Where roads or sewers are not adopted or managed we can only proceed if: There are no current disputes, the applicants are aware of their potential liability, appropriate rights of way and enforceable maintenance rights exist and details of any demand for payment and/or costs incurred are shared with the customer(s). |
| Fleet Mortgages | See 1.11a |
| Foundation Home Loans | See 1.11.a |
| Furness Building Society | As 1.11a |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H |
As 1.11a. Where there is no adoption agreement in place for the roads and sewers, this will need to be reported to Gen H with details as to whether or not there is a covenant contained in the transfer/lease for the developer to maintain the roads and sewers up until the time they are adopted. There must also be an obligation on the developer in the transfer/lease to procure the adoption of the roads and sewers. However, if there are no plans to obtain a bond/agreement in the future this may need to be referred back to our valuer for their comments. |
| Godiva Mortgages Ltd |
Please contact the lender. |
| Habito | as per 1.11 |
| Halifax |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Halifax Loans Ltd |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Hampden & Co. plc | See 1.11. Lack of agreement / bond may be acceptable with our prior written consent. |
| Handelsbanken | Refer to Branch office instructing you. |
| Harpenden Building Society | As 1.11a |
| Hinckley and Rugby Building Society | Principal Office, Mortgage Department, Advances Section. |
| Hodge |
As per 1.11a Where roads and sewers on a new development are yet to be adopted, this is acceptable providing there are plans in place for future adoption when the development is completed or where a management company or local residents will be responsible. Where roads or sewers are not adopted or managed, we can only proceed if there are no current disputes, the applicants are aware of their potential liability, appropriate rights of way and enforceable maintenance rights exist, and details of any demand for payment and/or costs incurred are shared with the customer(s). |
| Hodge Equity Release |
As per 1.11a Where roads and sewers on a new development are yet to be adopted, this is acceptable providing there are plans in place for future adoption when the development is completed or where a management company or local residents will be responsible. Where roads or sewers are not adopted or managed, we can only proceed if there are no current disputes, the applicants are aware of their potential liability, appropriate rights of way and enforceable maintenance rights exist, and details of any demand for payment and/or costs incurred are shared with the customer(s). |
| Holmesdale Building Society | Lender. |
| HSBC UK Bank plc |
Where roads and sewers on a new development are yet to be adopted, this will be acceptable providing there are plans in place for future adoption when the development is completed or where a management company or local residents will be responsible. We do not insist on an agreement or bond and do not require you to hold a retention. However, you should ensure all applicants are aware of and accept their potential liability. Second hand properties where the development is not yet completed – If the roads or sewers are currently un-adopted the vendor must confirm the current arrangements are working and that there have been no disputes regarding servicing and maintenance of the system, details of any demand for payment and/or costs incurred are shared with the customer(s). Where roads or sewers are not adopted or managed we can only proceed if: There are no current disputes, the applicants are aware of their potential liability, appropriate rights of way and enforceable maintenance rights exist and details of any demand for payment and/or costs incurred are shared with the customer(s). |
| Intelligent Finance |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Investec Bank plc | See 1.11. |
| ITL Mortgages |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| JPMorgan Chase Bank, N.A. | Refer to office issuing Mortgage Instructions. |
| Kensington Mortgage Company Ltd |
Where roads and sewers on a new development are not yet adopted, this will be acceptable and does not need to be reported to us where plans are in place for future adoption once the development is complete or, there is provision for the establishment of a management company responsible for the ongoing repair and maintenance obligations. You should ensure all applicants are aware of and accept their potential liability. However, if there are no plans to obtain a bond/agreement in the future, please advise so that we can refer back to our valuer for their comments. |
| Kent Reliance (a trading name of OneSavings Bank plc) | |
| Keystone Property Finance | As 1.11a |
| Landbay Partners Limited | We can only proceed if appropriate rights of way exist, the applicants are aware of their potential liability, fully enforceable maintenance rights exist and there are no current disputes. |
| Landmark Mortgages Limited |
Accepted provided that there is a firm intention to adopt and the development is subject to NHBC. In all other cases refer to: New Mortgage Completions Landmark Mortgages PO Box 656 Durham DH1 9LY Tel - 0330 159 7152 |
| Leeds Building Society | As per 1.11a. |
| Legal & General Home Finance Ltd | Same as 1.11a |
| LendInvest | See 1.11a |
| LiveMore Capital | As 1.11a |
| Lloyds Bank plc pre fixed 20/40 | If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Lloyds Bank plc pre fixed 50/30/77 |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Lloyds TSB Scotland plc |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| M&S Bank | M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322 |
| Magellan Homeloans | Issuing Office |
| Manchester Building Society | Mortgage Processing Department. |
| Market Harborough Building Society |
As per 1.7 |
| Masthaven Bank | As per 1.11. |
| Metro Bank plc | As per 1.11. |
| ModaMortgages |
As per 1.11a |
| Molo Finance | As 1.11a. |
| Monmouthshire Building Society |
Lending Operations Department Monmouthshire Building Society Monmouthshire House John Frost Square Newport NP20 1PX Only refer those cases where: i. the developer has refused to covenant to complete/maintain the road/sewer pending adoption; or ii the sale is a private sale; or iii the Developer does not have a full quote on the London Stock Exchange or is not a wholly-owned subsidiary of such a company. |
| Mortgage Agency Services |
Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY |
| Mortgage Express | As 1.11a |
| Mortgage Express No 2 | |
| MPowered Mortgages |
As 1.11a The following does not need to be reported to us; Where roads and sewers on a new development are not yet adopted, this will be acceptable; where plans are in place for future adoption once the development is complete or, there is provision for the establishment of a management company responsible for the ongoing repair and maintenance obligations. |
| National Counties Building Society |
Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL Email: loansunderwriting@ncbs.co.uk |
| National Westminster Bank plc |
When reporting to us please include the following details: Whether there are any proposals in place for the roads and/or sewers to be adopted in the future. Whether the seller says that the roads and/or sewers are working properly and if not, what the issues are. Whether the seller has experienced any problems or disputes in relation to the roads and/or sewers. What any maintenance/repair costs are for the roads and/or sewers That you have informed the borrower understands their liabilities in relation to unadopted roads and/or sewers. Whether appropriate rights of way and access exist where there is an unadopted road. If not, whether you are able to put in place suitable indemnity policy to address the issue. |
| Nationwide Building Society |
Newly built properties (and second hand properties where the development is not yet complete) – we do not insist on any such agreement and bond being in place nor on you making a retention providing the roads and sewers are to be adopted eventually or formally managed by local residents or a management company. We do not need to be made aware of such circumstances but you should ensure that should the road/sewers not be immediately adopted, that the applicant/s (and their successors in title) have/will have unrestricted rights of way/access, usage rights and fully enforceable rights of maintenance and that the applicant/s are aware of their potential liability. Second hand properties – we require the applicant/s (and their successors in title) to have rights of way/access, usage rights and fully enforceable rights of maintenance. There must be no current disputes, the Vendor must confirm any system is currently working and the applicant/s must be aware of their potential liability. Where the road is managed by local residents or a management company, this must be a formal arrangement. Where this is the case, there is no need to advise us. Please note that we will not accept an Indemnity Insurance in lieu of any of the requirements above. |
| Nedbank Private Wealth Ltd | You must refer to us. |
| New Street Mortgages |
New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW. Tel: 0333-300-3100, Fax: 0333-300-3132, email: enquiries@newstreetmortgages.com |
| NRAM Ltd | Accepted provided that there is a firm intention to adopt and the development is subject to NHBC. In all other cases refer to the details as set out in 1.11a. |
| Paragon Buy to Let Mortgages |
As 1.11a. |
| Paragon Residential Owner-Occupied Mortgages | As 1.11a. |
| Paratus AMC Ltd |
New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA email: FHL@foundationhomeloans.co.uk Tel: 0344 770 8033. |
| Parity Trust | As 1.7 |
| Pepper Money |
Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money |
| Pepper Money (PUK) |
Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money |
| Perenna |
You must confirm that the roads and sewers immediately serving the property have been adopted or alternatively that they are covered by a suitable agreement or bond. Please contact our Mortgage team by either telephone: 0330 341 2013 or Email: conveyancing@perenna.co.uk |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Refer to office issuing Mortgage Instructions. |
| Precise Mortgages (Charter Court Financial Services Ltd) | |
| Principality Building Society |
Mortgage New Business PO Box 89 Queen Street CARDIFF CF10 1UA 0330 333 4021 |
| Reliance Bank Ltd |
mortgages@reliancebankltd.com or 0207 398 5422 - Option 1 Discuss New Lending/Option 2 Discuss existing Reliance Bank Mortgage |
| Rooftop Mortgages Ltd | The address and contact details shown on the mortgage offer. |
| Saffron Building Society |
Newly built properties – we do not insist on any such agreement and bond being in place, providing the roads and sewers are to be adopted eventually or managed by local residents or a management company and so we do not need to be made aware of such circumstances. You must ensure all applicants are aware of their potential liability. Second hand properties –We can only proceed if appropriate rights of way exist, the applicants are aware of their potential liability, fully enforceable maintenance rights exist and there are no current disputes. Please report to: Mortgage.processing@saffronbs.co.uk Fax 01799 581901 Saffron Building Society, Saffron House, 1A. Market Street, Saffron Walden, Essex. CB10 1HX |
| Sainsbury's Bank | Contact point as detailed in 1.11a. |
| Santander UK plc |
Only refer to the Mortgage Operations office instructing you in circumstances where: (i)the Developer has refused to covenant to complete/maintain the road /sewer pending adoption;or (ii)the sale is a private sale; or (iii) the loan-to-value is greater than 85% and the Developer does not have a full quote on the London Stock Exchange or is not a wholly-owned subsidiary of such a company. |
| Scottish Building Society | |
| Scottish Widows Bank | If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Secure Trust Bank PLC |
For new properties, we will not impose a retention where a bond / agreement will not be in place on completion. If the customer accepts the situation we will proceed. However, if there are no plans to obtain a bond / agreement in the future, please advise as we will need to refer this to our valuer. As 1.11 |
| Skipton Building Society |
Completions Team via LMS Secure Link We require: - appropriate arrangements for the maintenance and upkeep of the right of way - maintenance obligations do not impose any onerous liability on the borrower - no liability on the borrower to pay for making up or adoption of the roadway |
| St James Place Bank | Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS |
| State Bank of India UK | As 1.11a. |
| Swansea Building Society |
11/12 Cradock Street Swansea SA1 3EW 01792 739100 |
| The Mortgage Business |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| The Mortgage Lender Limited |
completions@themortgagelender.com Tel: 0344 257 0426 |
| The Mortgage Works |
Newly built properties (and second hand properties where the development is not yet complete) – we do not insist on any such agreement and bond being in place nor on you making a retention providing the roads and sewers are to be adopted eventually or formally managed by local residents or a management company. We do not need to be made aware of such circumstances but you should ensure that should the road/sewers not be immediately adopted, that the applicant/s (and their successors in title) have/will have unrestricted rights of way/access, usage rights and fully enforceable rights of maintenance and that the applicant/s are aware of their potential liability. Second hand properties – we require the applicant/s (and their successors in title) to have rights of way/access, usage rights and fully enforceable rights of maintenance. There must be no current disputes, the Vendor must confirm any system is currently working and the applicant/s must be aware of their potential liability. Where the road is managed by local residents or a management company, this must be a formal arrangement. Where this is the case, there is no need to advise us. Please note that we will not accept an Indemnity Insurance in lieu of any of the requirements above. |
| The Royal Bank of Scotland plc |
When reporting to us please include the following details: Whether there are any proposals in place for the roads and/or sewers to be adopted in the future. Whether the seller says that the roads and/or sewers are working properly and if not, what the issues are. Whether the seller has experienced any problems or disputes in relation to the roads and/or sewers. What any maintenance/repair costs are for the roads and/or sewers That you have informed the borrower understands their liabilities in relation to unadopted roads and/or sewers. Whether appropriate rights of way and access exist where there is an unadopted road. If not, whether you are able to put in place suitable indemnity policy to address the issue. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
When reporting to us please include the following details: Whether there are any proposals in place for the roads and/or sewers to be adopted in the future. Whether the seller says that the roads and/or sewers are working properly and if not, what the issues are. Whether the seller has experienced any problems or disputes in relation to the roads and/or sewers. What any maintenance/repair costs are for the roads and/or sewers That you have informed the borrower understands their liabilities in relation to unadopted roads and/or sewers. Whether appropriate rights of way and access exist where there is an unadopted road. If not, whether you are able to put in place suitable indemnity policy to address the issue. |
| The Royal Bank of Scotland plc Direct Line One | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc First Active |
When reporting to us please include the following details: Whether there are any proposals in place for the roads and/or sewers to be adopted in the future. Whether the seller says that the roads and/or sewers are working properly and if not, what the issues are. Whether the seller has experienced any problems or disputes in relation to the roads and/or sewers. What any maintenance/repair costs are for the roads and/or sewers That you have informed the borrower understands their liabilities in relation to unadopted roads and/or sewers. Whether appropriate rights of way and access exist where there is an unadopted road. If not, whether you are able to put in place suitable indemnity policy to address the issue. |
| The Royal Bank of Scotland plc Natwest one Account |
When reporting to us please include the following details: Whether there are any proposals in place for the roads and/or sewers to be adopted in the future. Whether the seller says that the roads and/or sewers are working properly and if not, what the issues are. Whether the seller has experienced any problems or disputes in relation to the roads and/or sewers. What any maintenance/repair costs are for the roads and/or sewers That you have informed the borrower understands their liabilities in relation to unadopted roads and/or sewers. Whether appropriate rights of way and access exist where there is an unadopted road. If not, whether you are able to put in place suitable indemnity policy to address the issue. |
| The Royal Bank of Scotland plc One Account |
When reporting to us please include the following details: Whether there are any proposals in place for the roads and/or sewers to be adopted in the future. Whether the seller says that the roads and/or sewers are working properly and if not, what the issues are. Whether the seller has experienced any problems or disputes in relation to the roads and/or sewers. What any maintenance/repair costs are for the roads and/or sewers That you have informed the borrower understands their liabilities in relation to unadopted roads and/or sewers. Whether appropriate rights of way and access exist where there is an unadopted road. If not, whether you are able to put in place suitable indemnity policy to address the issue. |
| The Royal Bank of Scotland plc Virgin One |
When reporting to us please include the following details: Whether there are any proposals in place for the roads and/or sewers to be adopted in the future. Whether the seller says that the roads and/or sewers are working properly and if not, what the issues are. Whether the seller has experienced any problems or disputes in relation to the roads and/or sewers. What any maintenance/repair costs are for the roads and/or sewers That you have informed the borrower understands their liabilities in relation to unadopted roads and/or sewers. Whether appropriate rights of way and access exist where there is an unadopted road. If not, whether you are able to put in place suitable indemnity policy to address the issue. |
| The Tipton & Coseley Building Society | Mortgage Department. |
| Together Personal Finance Limited | N/A - Solicitors to arrange suitable indemnity insurance cover for the benefit of the Lender instead. |
| Topaz Finance Ltd |
Topaz Finance Limited Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL 0345 389 1672 |
| TSB Bank plc | You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please see 1.11a |
| Ulster Bank |
As detailed above in 1.11a. |
| Vida Homeloans | As 1.11a |
| Virgin Money |
If there is a firm intention to adopt and the development is subject to NHBC, we're happy to lend and there is no need for you to let us know. Otherwise send details to: Mortgage Processing Operations Virgin Money Gosforth Newcastle upon Tyne NE3 4PL Solicitor Helpline: 0845 604 4858 Solicitor Email: postoffer@virginmoney.com |
| Whistletree (a trading name of TSB Bank plc) | You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please see 1.11a |
| Yorkshire Bank Home Loans Ltd |
The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society | We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability. |
| Zephyr Homeloans | As per 1.11 |